Chinese Commercial Bank Trade Finance Business Innovative Research

Along with the accelerated process of economic integration, international trade and economic cooperation, ways and means of increasing wealth, corporate demand for the financial support of the increasingly strong. China's commercial banks to the long-standing traditional deposit, lending operations for the main business situation are being challenged, and how to provide trade finance products support has emerged as an important issue. In recent years, China's commercial banks regard innovation as a trade finance bank business development an important strategic task. China's commercial banks trade finance business innovation and has been compared to the past has made substantial progress. But it is undeniable that, compared with Western developed joint-stock commercial banks, commercial banks in China trade finance operations both in the business of innovation, product innovation in the structure or concept, and other aspects not a small gap. At the same time, how to trade innovations in financial business in China and also to be combined with China's commercial banks in-depth study.In this paper the author from China's major commercial banks trade finance business based on the concept of innovation, the development of the status quo, in areas such as development direction of the narrative, with an emphasis on trade and financial direction of the development of innovative analysis and elaboration. The author believes that the development of trade and financial innovation from the direction of three aspects: First, External constraints arising from changes in business innovations, such as the continued appreciation of the RMB in the circumstances, the trade finance business innovation; second is a structural trade finance business innovation; and the third is trade finance business of the electronic innovation.China's commercial banks trading and financial product innovation is not just a theoretical level of innovation, trade and financial innovation need of China's economic and financial environment combined with a market demand, and can actually support enterprises in the growing trade and financial needs of innovation.